Clarke County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clarke County, Virginia? DLRadar grades every Clarke County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Clarke County breakdown.
- Clarke County's most distressed ZIP is 22630 at 16/100.
- 7 ZIP codes tracked in Clarke County, averaging 10/100 distress.
- Clarke County reads peak — home values up 3.4% year over year.
- Vacancy runs 9.7% across Clarke County's tracked ZIPs, with a 8.9% poverty rate.
- The typical Clarke County home is worth about $535,833 against a ~$93,665 median income.
- Lending headwind in Clarke County sits at 72/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 22630 | 16/100 |
| 2 | 20130 | 13/100 |
| 3 | 20135 | 13/100 |
| 4 | 22663 | 9/100 |
| 5 | 22611 | 6/100 |
| 6 | 22620 | 6/100 |
| 7 | 22646 | 6/100 |
Most distressed ZIP codes in Clarke County (composite distress 0-100, 2026)
What is driving Clarke County distress
Clarke County's placement in the national index rests on public filings — a 10/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Clarke County market phase and pricing
Clarke County reads peak — home prices rose 3.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Clarke County
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Frequently asked questions
Where is distress highest inside Clarke County, VA?
ZIP 22630 leads Clarke County at 16/100, recomputed monthly from public records.
Which phase does Clarke County sit in right now?
FHFA price-index movement places Clarke County in peak; prices are up 3.4% over twelve months.
Where does the Clarke County data come from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 7 ZIP codes in Clarke County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Clarke County ZIP codes?
A county average hides the spread. Across the Clarke County ZIPs DLRadar ranks, scores run from 16/100 in 22630 down to 6/100 in 22646, against a Clarke County average of 10/100. With 10 points between best and worst, county-level targeting in Clarke County wastes effort.
What do Clarke County home values and vacancy say about distressed supply?
The typical Clarke County home carries about $535,833 of value against a median household income near $93,665. Vacancy across Clarke County's tracked ZIPs runs 9.7% and the poverty rate is 8.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Clarke County's foreclosure and tax-lien filings and its 72/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.